Established in 1999, Howard Capital Management, Inc. (HCM) is an SEC-Registered Investment Advisory Firm offering professional money management services to private clients, brokers and broker-dealers. HCM specializes in various types of trading systems to assist clients in reaching their financial goals and to navigate complex and ever-changing market conditions. Whether you are an investor, planning for or in retirement, you can put the Howard Difference to work for you.
With over 30 years’ experience, our disciplined strategies are backed by extensive research, sophisticated analysis, and proprietary computerized tools.  Vance Howard, CEO and Portfolio Manager, has been mentioned in numerous publications including Kiplinger Magazine, Investor’s Business Daily (IBD), MorningStar and Investment News.  In addition, HCM has recurrently made the monthly top 10 list in The Wall Street Journal’s Category Kings for the performance of Equity Income Funds and Multi Cap Growth Funds.
Asset flexibility is a key feature of HCM’s trading philosophy. All of our portfolios are fully liquid, as we do not lock investors in an investment that cannot be changed or easily withdrawn from. This flexibility ­also gives us the ability to act when the HCM-BuyLine® signals, to move to cash and/or cash equivalents in the event of a market downturn in an attempt to preserve capital.
HCM believes in active management through a tactical approach. Through tactical management, we are able to hold a range of percentages of asset allocations in each of our portfolios. This type of diversification gives HCM portfolios the ability to seek income and growth for investors with all levels of risk and return objectives.
Most of HCM’s investment portfolios and retirement tools work in conjunction with our proprietary stoploss tool, the HCM-Buyline®.  By doing so, we aim to keep assets on the right-side of the market. The HCM-BuyLine® is an indicator that mitigates downside risk by signaling when funds should be moved out of equities and into cash and/or cash equivalents, while taking advantage of market upturns. It strives to protect profits while providing a highly complex and technical quantitative trading tool for the universal client.
The 401(k) Optimizer® is an online allocation tool designed to deliver personalized recommendations based on an individual’s investment options, risk tolerance level, age and long-term goals. Another tool, built for the public sector, the TSP Optimizer®, allows federal employees to upload their fund options and quickly allocate their Thrift Savings Plan (TSP) Funds based on their risk tolerance and long-term goals. All of HCM’s proprietary retirement tools are delivered with the use of the HCM-BuyLine®, protecting investments through market downturns while also pursuing opportunities for growth.   Contact Howard Capital Management, Inc. For more information on any of HCM’s proprietary tools or to learn more about portfolio management services, please contact HCM at (770) 642-4902 or visit


This communication is issued by Howard Capital Management, Inc. It is for informational purposes and is not an official confirmation of terms. It is not guaranteed as to accuracy, nor is it a complete statement of the financial products or markets referred to. Opinions expressed are subject to change without notice. Howard Capital Management, Inc. may maintain long or short positions in the financial instruments referred to and may transact in them as principal or agent. Unless stated specifically otherwise, this is not a recommendation, offer or solicitation to buy or sell and any prices or quotations contained herein are indicative only. Our proprietary indicator, the HCM-BuyLine®, identified changes in the market trend. Buys and sells may or may not have occurred on the exact dates shown. These dates do not necessarily reflect transactions applied to every individual account. Also, certain products, custodians and portfolios may have a delay in execution. When the HCM-BuyLine® indicates a bull market, HCM then identifies the particular mutual funds, ETFs or individual stocks that we believe have the best return potentials in the current market from the universe of assets available in each given program and invests in them. When the HCM-BuyLine® indicates a bear market, HCM moves clients’ investments to less risky alternatives. Not every HCM-BuyLine® buy and sell will result in a profitable trade. There will be times when following the indicator results in a loss. However, there have been situations in the past in which HCM reduced clients’ exposure to equities during market downturns by following an HCM-BuyLine® signal, thereby preserving capital. Please remember that past performance may not be indicative of future results.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Howard Capital Management), made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.  Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Therefore, no current or prospective client should assume that the future performance of any specific investment or investment strategy will be equal to past performance level or that it will match or outperform any particular benchmark.  Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Howard.  To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. To the extent permitted by law, Howard Capital Management, Inc. does not accept any liability arising from the use of this communication. A copy of Howard’s current written disclosure statement discussing our advisory services and fees are available on our website LASS.102820 HCM.102820.50